I enclose herein a copy of the original plat filed in the County Court House
back in 1941 when the island was subdivided. I have colored the property owned
by the Association in yellow. There is Beach Three - better known as the
Community Beach - where the Community Pier is located. There is also Beach One -
at the end of Ramsey Drive. It is a small beach, behind the two breakwaters
located there. Adjacent to that beach is what we call the ?Cloud? Beach -
colored in pink. The Cloud family owns that property - along with the marsh and
the field. They allow residents to use that beach, but ask that it be kept clean
of trash.

Beach Two was located at the tip of the island, but has washed away. We still
have steps leading down the hill, and a 10 foot wide place to walk along the
shore toward the point. We are just completing the improvements at the end of
Brice Drive, by building a ?Terrapin and Horseshoe Crab Sanctuary? there. It is
not a ?beach? to sit on, but we will be installing a small bench for people to
sit and view Ramsey Lake from this peaceful spot.

All community property is only to be used by residents and guests - the ?public?
is not allowed on our beaches.

In 1941, when this community was subdivided, among the Land
Records of Anne Arundel County certain ?Restrictions? were recorded (copy
attached). These ?Restrictions? are now commonly known as ?Covenants?. These
covenants run with the land - each and every property here on Turkey Point
Island.

Your settlement attorney or title company, when you purchased your property, by
law, should have provided you with these restrictions since they concern your
property, and are a part of every complete title search done by them. If they
did not notify you, or provide such records, please notify them to rectify their
negligence and prevent it happening again to someone else.

Your ?Lot Assessments? were set in 1941 when the Covenants were recorded, and
remain at $10.00 per lot. By law these ?assessments? become a lien on your
property if not paid. These assessments provide very limited funding to maintain
and/or improve ?common areas? that remain here. Those common areas are the
?Community Beach and Pier?, Beach One and Beach Two. Additionally, the new
?Terrapin and Horseshoe Crab Sanctuary? at the end of Brice Drive.

In 1979 the original land developer, Waterfront Estates, deeded all the common
areas to the Turkey Point Property Owners Association, Inc. (TPPOA). Since that
time it has been the responsibility for the TPPOA to maintain and improve those
common areas. Although much of that common area has been lost to erosion, there
is still a small part of ?Beach One? at the end of Ramsey Drive, the walkway and
stairs to Selby Bay where Beach Two used to be, the Community Beach (Beach
Three), and the new Terrapin and Horseshoe Crab Sanctuary located at the end of
Brice Drive. In 1991 the Association was able to construct the ?Community Pier?
located off Beach Three. We are still completing the Terrapin Sanctuary, and
ongoing repairs to Beach One (due to the damage from Isabel). Additionally, we
recently rebuilt the stairs to Selby Bay. The lot assessments are used to fund
these activities.

Our Homeowners Association, established in 1956, provides social activities for
residents. Dues for the Association are voluntary. They are $15.00 annually,
these funds providing for the social activities such as Turkey Point Island Day,
Halloween, etc. We attempt to have the social activities ?pay for themselves? as
we sometimes do not have enough funds from the lot assessments to pay for needed
repairs to community property and dues can then help pay for such repairs. As
stated previously, assessments are mandatory, dues are not. However, only dues
paying members are eligible to vote on community matters.

THESE BY-LAW REVISIONS WERE APPROVED AND BECAME EFFECTIVE DECEMBER 1, 1992. THE
CHANGES WERE NEEDED TO BRING THE BY-LAWS INTO AGREEMENT WITH PRESENT DESIRED
PRACTICE OF HAVING A LARGE BOARD SO AS TO INSURE FAIR REPRESENTATION FOR THE
ENTIRE ISLAND. PLEASE FILE THIS UPDATE INFORMATION IN YOUR BLUE COVER DIRECTORY
OR WITH YOUR COMMUNITY INFORMATION FILE.

Article V - Board of Directors

Section 1. - Duties
The business of the Association shall be conducted and regulated by a Board of
Directors comprised of at least seven individuals all of whom shall be from the
voting membership of the Association as set forth in Article III, Sections 1 and
2. An individual shall not be elected to office unless he/she is in good
standing. Directors in office who during their term of office fail to qualify
under Article III, Sections 1 and 2, shall not exercise the duties of their
office.

Section 2. - Board Membership
The Board of Directors shall be comprised of the President of the Association,
the Vice-President of the Association, the Executive Secretary-Treasurer of the
Association and at least four other members who are not officers of the
Association.

Article VIII - Board of Directors Meetings

Section 3. - Quorum
Fifty percent of the Board shall constitute a quorum for any meeting of the
Board of Directors.

1. All homes arid additions to existing homes must meet the
minimum standards as set by the Anne Arundel County Code and Critical Area
Criteria.

2. No home may be erected with a height of more than 35 feet, or 2-1/2 stories.
Height shall be determined as the vertical distance from the lowest point of the
structure at grade to the highest point of the structure, not including
accessory fixtures attached to the structure (chimneys, weather vanes).

3. Grade of structure is determined by the average grade of the structure site
prior to any disturbance.

4. No structures, fences, piers, walkways, etc., may be erected on any land that
contains a perpetual right of way or right of use applicable to the entire
community.

5. Structure shall be placed on the lot so as to minimize interference with
adjoining structure views, in-so-far-as possible under code requirements.

6. Whenever possible, central air conditioning units will be placed at the rear
of the structure, not within the side or front building restriction lines in
order to minimize noise disturbance to existing adjacent homes or homesites.
When a building is placed within ten feet of the side lot line, the central air
conditioning unit is always to be placed at the rear of the structure.

7. All plans, specifications and site plans shall be submitted to the Board of
Directors prior to any construction. Plans will be reviewed by the Board
monthly, on the First Tuesday of each month from September through June. The
Board will issue a written acceptance/rejection within five working days.
Special request may be made to the Board to review plans in July and August,
subject to availability of sufficient Board members to meet a quorum.

These guidelines were submitted to the General Membership at the September 18,
1996 General Meeting. They were approved with the addition of #3 and are being
supplied to all property Owners.

1. The said property hereby conveyed shall be used for
residential purposes only and shall not be used for any commercial or
manufacturing purposes of any kind or nature.

1. Only one dwelling and a private garage shall be erected on each lot of ground
as shown on the plat of ?Turkey Point? duly recorded among the Land Records of
Anne Arundel County, and no building shall be erected on the lots in Blocks Nos.
1 and 2 as shown on the aforesaid plat at a cost of less than $3,500.00; no
building shall be erected on the lots in Block No.4 and lots in Block ?A? if
said Block ?A? hereinafter divided, as shown on the aforesaid plat, at a cost of
less than $4,000.00; no building shall be erected on the lots in Blocks Nos. 5,
6, 7, 8, 9,19, 20, and 21, at a cost of less than $3,000.00; no building shall
be erected on the lots in Blocks Not 10, 11, 12, 14, 15, 16, 17, 18, and lots in
Block ?B? if said Block ?B? is hereinafter subdivided, as shown on the aforesaid
plat, at a cost of less than $2,500.00. Garages and pump houses shall be exempt
from the minimum cost as above set out, but shall be constructed of a similar
material and of a similar design as the dwelling placed on said lot

1. The lots in Block No.3 as shown on the said plat shall only be sold to and
owned by a lot owner, in Block ?A? and Blocks Nos. 1, 2, 3, 4, 5, 6, 7, 8, 9,
19, 20, and 21 as shown on the aforesaid plat, and shall be used for the sole
purpose of a private beach and for the purpose of private dockage; no dwelling
or living quarters shall be erected on any lot in said Block No.3 as shown on
said plat and the only buildings that shall be erected thereon shall be a
private bath house and a private boat-house; and no bath-house shall be
constructed at a cost of less than $100.00, and the same must be painted and
kept in a presentable condition at all times. The lots in Block No. 3 shall not
be sold except in conjunction with a lot in the above set out Blocks in this
restriction, and shall not be sold to or used by any person or persons other
than an owner of a lot in the herein above set out Blocks in this restriction.
All bathhouses or other buildings other than a boat house shall be erected
within that part of the lot designated for bath-houses as shown on the plat of
?Turkey Point?.

1. Plans and specifications for all buildings to be erected on the said lots as
shown on the aforesaid plat of ?Turkey Point? shall be submitted to and approved
by Waterfront Estates, Incorporated, its successors or assigns, before any
construction is begun

1. All buildings constructed on said lots as shown on the aforesaid plat shall
not be constructed closer to any road or street line than the building line as
shown on the aforesaid plat, nor closer than 5 feet to the side line or party
line of any lot

1. No outside toilet shall be constructed upon any of the lots as shown on the
herein above referred to plat and no sewage of any kind shall empty into the
waters of the Chesapeake Bay or South River or any tributaries thereof, and all
houses must be provided with cesspools or septic tanks or other similar devices
for the sanitary disposal of waste matter, and said systems must comply with the
health and sanitary laws of the State of Maryland and of Anne Arundel County.

1. No solid board fences shall be maintained on any of the lots as shown on the
aforesaid plat, and no type of fence or hedge shall be maintained on any of said
lots as shown on the aforesaid plat at a height of more than 48 inches.

1. No chickens, poultry, pigs or live stock of any kind shall be kept on the
property, and no dogs or cats or other domestic animals shall be kept except
those that are household pets, and the same shall not be allowed to run at
large. This restriction shall not apply to Blocks ?A? and ?B? as shown on the
aforesaid plat.

1. There shall be an assessment of $10.00 per year against each lot sold in said
subdivision by Waterfront Estates, Incorporated, its successors or assigns, with
the exception of Blocks ?A? and ?B? (which assessment is hereinafter set forth)
which assessment shall be due and payable to the said Waterfront Estates,
Incorporated, its successors or assigns, on the first day of July of each year,
which said assessment shall constitute a first lien on said lots so sold and
conveyed, and shall be enforced by said Waterfront Estates, Incorporated, its
successors or assigns, by due process of law; at the expense of said fund, said
assessment to be used in the discretion of the said Waterfront Estates,
Incorporated, or its successors or assigns, for the upkeep of roads, walks,
ways, bridges, wharves, and beaches until such time as such roads, walks, ways,
bridges, wharves, and beaches are taken over by the County or State or some
other agency. Block ?A? shall be assessed $50.00 per year and Block ?B? shall be
assessed $25.00 per year as herein above provided in this restriction.

1. Said Waterfront Estates, Incorporated, its successors or assigns reserve the
right at any time to zone the subdivision with respect to restrictions for
business purposes and when so zoned, no building shall be built, occupied or
used for any business purpose except within said zone and then under such
restrictions and conditions as shall be provided for in said zoning restriction.

1. The fee simple title to all streets, roads, walks, ways, bridges, wharves,
and beaches is reserved to the said Waterfront Estates, Incorporated, its
successors or assigns, and the said Waterfront Estates, Incorporated, its
successors or assigns, reserve the right to authorize the construction of all
public utilities along the said streets, roads, walks, ways, bridges, wharves,
and beaches and along the rear line of any lot as shown on the aforesaid plat.

1. Waterfront Estates, Incorporated, its successors or assigns, reserves the
right to go upon vacant lots in said subdivision as shown on the aforesaid plat
at any time and cut grass or weeds at the expense of the lot owner or owners.

1. No nuisances of any kind shall be permitted on any of the lots as shown on
the aforesaid plat, and there shall be no picnicking, camping or living in tents
or garages on any of the lots in said subdivision, and there shall be no
disrobing in automobiles nor bathing therefrom.

1. Beach No.2 as shown on the aforesaid plat is reserved for the exclusive use
of the owners of Block ?A? and the owners of lots in Blocks Nos. 1, 2, 3, 4, 5,
6, 7, 8, 9, 19, 20, and 21 as shown on the aforesaid plat.

1. Beaches Nos. 1 and 3 as shown on the aforesaid plat are reserved for the use
of the owners of all of the lots as shown on the aforesaid plat. Waterfront
Estates, Incorporated, its successors or assigns, reserve the right to grant the
use of Beaches Nos. 1 and 3 to the owners of lots in the remainder of the tract,
known as the ?Little Island,? the same being the balance of the track known as
?Turkey Point,? as conveyed to Waterfront Estates, Incorporated, by William A..
Tuerke and wife by deed dated the 6th day of March, 1941, and recorded among the
Land Records of Anne Arundel county in Liber J. H. H. No. 233, folio 156,
whenever the same shall be subdivided or sold.

1. In the event Blocks ?A? and ?B? as shown on the aforesaid plat are subdivided
by the owners thereof, they shall not be subdivided into lots of less than 50
feet by 150 feet, and only one building shall be erected on each lot as herein
above more specifically set out in Restriction No. 2, and all of the
restrictions herein set out shall apply to them.

1. No pigs shall be kept on Block ?A? and ?B? and no chickens, poultry, or live
stock shall be kept on said Blocks as shown on said plat unless the same are
kept within an enclosure and shall not be allowed to run at large, and no
nuisances of any kind shall be permitted on any of said Blocks.

18. Waterfront Estates, Incorporated, its successors or assigns, reserves the
right to erect, maintain, and operate a central water system for said
subdivision and if such a system is installed, it shall not be deemed a
violation of any of the restrictions herein above set out.

19. The invalidation of any one of these covenants and restrictions or any
portion thereof by judgment or decree of any court or in any manner whatsoever
shall in no wise affect any of the other covenants and restrictions, or any
portions of said restrictions not invalidated by said judgment or decree, and
the said covenants and restrictions or portions thereof not so invalidated shall
remain in full force and effect.

20. These covenants and restrictions shall run with the land hereby conveyed and
shall be binding on the Grantees, their heirs and assigns.

Section 1. - Name
The name of the Association shall be Turkey Point Property Owner's Association,
Inc.

Section 2. - Address
The principal office of the Association shall be the residence of the current
Executive Secretary-Treasurer.

Article II - Definitions

Section 1. - Association
?Association? shall mean and refer to the Turkey Point Property Owners's
Association, Inc., a non-profit corporation organized and existing under the
laws of the State of Maryland.

Section 2. - Properties
?The Properties? shall mean and refer to all properties, both lots and Common
Areas as defined in the Plat Records of Anne Arundel County, Plat Book 17, folio
47.

Section 3. - Common Areas
?Common Areas" shall mean and refer to those areas of land described by the Deed
made on December 21, 1979, and recorded on December 28, 1979, Liber 3277, Page
74 of the land records of Anne Arundel County. Said areas are intended to be
directed to the common use and enjoyment of all members of the Association as
herein defined.

Section 4. - Lot
?Lot? shall mean and refer to any plot of land intended and subdivided for
residential use, but shall not include the Common Areas as hereinbefore defined.

Section 5. - Owner
?Owner? shall mean and refer to an owner of record, whether one or more persons
or entities, of the fee simple title to any lot, but shall not mean or refer to
any mortgagee or subsequent holder of a mortgage, unless and until such
mortgages or holder has acquired tide pursuant to foreclosure of any proceeding
in lieu thereof.

Section 6. - Member
?Member? shall mean and refer to all those owners who are members of the
Association as provided in Article Ill, Sections 1 and 2.

Article III - Membership and Voting Rights in the Association

Section 1. - Member
Every owner of record of one or more lots is a member in the Association.

Section 2. - Voting Member
Every owner of record who is current with his/her lot assessments and other
payments that may be due the Association and has paid all dues prescribed by the
Association shall be a voting member.

Section 3. - Voting Rights to Members
All persons meeting the requirements of Article III, Section 1 and 2, shall have
voting rights in the Association provided that an owner of record is entitled to
only one vote whether or not said party owns more than one lot

Section 4. - Proxy Voting
Persons qualifying under Section 3 above shall have the tight to grant another
member of the Association the power to cast his/her vote as if he/she was in
fact voting.

Section 5 - Proxy Limitation.
A single member may cast only two proxy votes.

Section 6.- Proxy Procedure
The proxy must be in writing and duly signed by a voting member authorizing
such. The name of the member to whom the proxy right is given must be set forth.
All proxies must be presented to the Executive Secretary-Treasurer prior to the
commencement of any meeting at which the proxy is to be used and will only be
effective for that meeting.

Article IV - Property Rights in the Common Areas

Section 1. - Right to Use Common Areas
Every owner of record shall have a right and easement of enjoyment in and to the
Common Areas and such easement shall be appurtenant to and shall pass with the
title to every lot.

Section 2. - Title to Common Areas
The Association shall retain title to all Common Areas.

Section 3. - Transfer or Dedication of Any Part or All of the Common Areas
The Association has the right to dedicate or transfer any part of the Common
Areas to any public agency, authority or utility for such purposes and subject
to such conditions as may be agreed to by the Members, provided that no such
dedication or transfer, determination as to the purposes or as to the conditions
thereof, shall be effective unless an instrument approved by two-thirds of the
voting members has been recorded at a special meeting called for that propose,
provided notice of the proposed action is sent to every Member at least 30 days
in advance of the special meeting.

Article V. - Board of Directors

Section 1. - Duties
The business of the Association shall be conducted and regulated by a Board of
Directors comprised of seven individuals all at whom shall be from the voting
membership of the Association as set forth in Article III, Sections 1 and 2. An
individual shall not be elected to office unless he/she is in good standing.
Directors in office who during their term of office fail to qualify under
Article III, Sections 1 and 2, shall not exercise the duties of their office.

Section 2. - Board Membership
The Board of Directors shall be comprised of the President of the Association,
the Vice-President of the Association, the Executive Secretary-Treasurer of the
Association and four other members who are not officers of the Association.

Section 3. - Term of Office
The term of office for each Director shall be one year. There shall be no limit
to the number of terms a Director may serve.

Section 4. - Vacancy
Vacancies on the Board of Directors shall be fined by appointment by a majority
of the remaining Board of Directors in open session. The so-appointed Director
shall serve only the remaining term of his or her predecessor.

Section 5. - Compensation
Directors shall serve without compensation except for the Executive
Secretary-Treasurer who may be paid a yearly compensation as determined by the
Board of Directors or, if the Executive Secretary-Treasurer contracts for
assistance to carry out the functions of that office, such expenses shall be
paid as determined by the Board of Directors.

Article VI - Election of Board of Directors

Section 1. - Election
Election to the Board of Directors shall be made at a meeting of the Association
in the fourth quarter of the calendar year and installed in the following
January. The election shall be by written ballot. Ax such election each member
or his/her proxy shall have one vote for each vacancy on the Board of Directors.

Section 2. - Election Committee
The election shall be conducted by a committee of at least three members
appointed by the President and shall be known as the Election Committee.

Section 3. - Duties of Election Committee
The Election Committee shall submit to the President a full raster of
candidates, (at least one for each office) not less than one week prior to the
stated Association meeting whereat the election is to take place.

Section 4. - Other Nominations
Any member may present a nomination to the Election Committee. Such nomination
must be in writing and shall bear the assent of the nominee in writing.
Nominations for each office may be made from the floor.

Section 5. - Voting
Each voting member shall be entitled to only one ballot.

Section 6. - Other Rules and Procedures
All rules and procedures not covered herein shall be at the discretion of the
Election Committee.

Article VII - Authority of Board of Directors

Section 1. - Presiding Officer
The President of the Association shall be the Chairman of the Board of Directors
and shall conduct the meetings of the Board. In the President?s absence, the
Vice-President shall preside. Likewise, the President shall preside at the
Association meetings with the Vice-President acting in the President's absence.

Section 2. - Responsibilities
The Board of Directors shall have the power:

(a) to appoint and remove all agents and employees of the Association, prescribe
their duties, fix their compensation, require of them such security bond as it
may deem expedient;
(b) to establish, purchase, and assess, and collect the assessment or other
charges levied;

(a) to adopt and publish rules and regulations governing the use of the Common
Areas and Facilities;
(b) to in all respects protect the Common Areas for the full enjoyment thereof
by the Association;
(c) to take any and all action necessary to insure successful operation of the
Association in all respects.

Section 3. - Duties
It shall be the duty of the Board of Directors:

(a) to cause to be kept a complete record of all its acts and corporate affairs
and to present a statement to the members at a designated meeting of the
Association;
(b) to collect the amount of the assessment against each lot for each period;
(c) to propose and maintain a roster of the lots and assessments applicable
thereto which records shall be kept in the office of the Association and shall
be open to inspection by any member of the Association upon written notice to
the Executive Secretary-Treasurer;
(d) to send annual or other written notice of each assessment to every owner of
a lot subject thereto;
(e) to issue, or to cause the Executive Secretary-Treasurer to issue, upon
demand by any lot owner, a certificate setting forth whether his/her assessment
and/or other fees have been paid. Such certificate shall be conclusive evidence
of payment thereof;
(f) to authorize the disbursement of funds,
(g) to establish a procedure for the handling of the funds of the Association by
the Executive Secretary-Treasurer.

Article VIII - Board of Directors' Meetings

Section 1. - Scheduled Meetings
The Board of Directors shall meet at least quarterly to conduct the business of
the Association in accordance with Article VII. The Board of Directors may have
additional meetings as it may deem necessary.

Section 2. - Open Meetings
The specified meetings of the Board of Directors shall be open to the
membership. Admission of the membership to any additional meetings of the Board
of Directors shall be at the discretion of the Board of Directors.

Section 3. - Quorum
Four members of this Board shall constitute a quorum for any meeting of the
Board of Directors.

Article IX. - Removal of Directors

Section 1. - Procedures
Any Director may be removed by the Members. Procedures for removal area s
follows:

(a) A special meeting of the Members will be called by the President, or in the
event the President (as a Director) is involved as defendant, then by the
Vice-President, whenever a Petition for Removal bearing the signatures of
one-third of the voting Members is flied with the Executive Secretary-Treasurer.
This special meeting must be held in not less than 15 days, nor more than 25
days after the Petition for Removal is filed.
(b) in not more than five days alter the filing, a Bill of Particulars must be
provided the Director under removal action. The Bill of Particulars will include
the substance of the charges to be presented, the appointed prosecutor, the
name(s) of the principal plaintiff and witnesses to be called.
(c) The President, except as otherwise stated in Section 1, herein, will appoint
a voting Member in good standing as prosecutor.
(d) The voting Members will sit as a committee of the whole with the President
as presiding officer (chairman), except as otherwise provided for in (a) above.
(e) The removal will be conducted as an administrative bearing, utilizing the
civil process rather than a strictly adversary or criminal proceeding.
(f) Upon completion of the presentation of the charges and an adequate
opportunity for presentation of a defense, the presiding officer will put the
question for removal to the voting Members, or their proxies, present.

Article X - Officers of the Association

Section 1. - Officers
The officers shall be a President, a Vice-President, and Executive
Secretary-Treasurer all of whom shall be members of the Board of Directors.

Section 2. - Election
The officers shall be elected by a majority vote. Officers shall not hold office
unless in good standing.

Section 3. - Term of Office
Each officer shall hold office for a period of one year except any officer
appointed to fill a vacancy shall hold office only for the unexpired portion of
such term.

Section 4. - Duties of President
The President shall preside at all meetings of the Board of Directors, except as
otherwise prescribed in Article IX, and shall see that orders and resolutions of
the Board are carried out.

Section 5. - Duties of Vice-President
The Vice-President shall carry out the duties of the President in his/her
absence.

Section 6. - Duties of Executive Secretary-Treasurer as Secretary
The Executive Secretary-Treasurer shall be the secretary of the Board of
Directors, and shall, In that capacity:

(a) Record the votes and keep the minutes of all proceedings in a book to be
kept for that purpose.
(b) Notify the Members as to the date and time of general meetings of the
Association.
(c) Keep the records of the Association.
(d) Maintain a record of the Members of the Association together with their
addresses.

Section 7. - Duties of Executive Secretary-Treasurer as Treasurer
The Executive Secretary-Treasurer in his or her capacity as Treasurer shall:

(a) Receive and deposit in appropriate bank accounts all monies of the
Association.
(b) Disburse such funds as directed by resolution of and in the manner
prescribed by the Board of Directors.
(c) Keep proper books of account and cause an annual audit of the association
books to be made at the completion of each year.

Section 8. - Disbursement of Funds
While the Executive Secretary-Treasurer is the principal disburser of the
Association's funds, the Board may, at its option, require one or more officers'
signature for all checks written and may appoint an Assistant Treasure or acting
treasure in the absence of the Executive Secretary-Treasurer. The Association
shall endeavor, at its expense, to secure surety bonds for all persons who may
disburse the funds of the Association.

Article XI - Committees

Section 1. - Appointment
The President with approval of the Board of Directors shall appoint any and all
committees as deemed desirable for the successful operation of the Association.

Article XII - Meetings of the Association

Section 1. - General Meetings
The general meetings of the Association shall be held at the time and place set
by the Board of Directors.

Section 2. - Special Meetings
Special meetings of the Association for any purpose may be called at any time by
the board of Directors or upon written request, filed with the Executive
Secretary-Treasurer, by one-fifth of the Members.

Section 3. - Notice
Notice of any general meeting of the Association shall be mailed to each Member
of the Association not less than seven days prior to the day of the meeting.

Section 4. - Quorum
The presence at a meeting of the Association of one-fifth of the Members shall
constitute a quorum for any action governed by the By-Laws unless said By-Laws
specifically provide otherwise. Proxies may be counted to provide the requisite
quorum.

Section 5. - Open Meetings
All Association meetings are open to the Members and others having an interest
in said meetings.

Article XIII - Rules of Order

Section 1. - Parliamentary Authority
The Association and Board of Directors shall operate under such rules of order
as may be adopted by the Board of Directors. In the event of a conflict or a
situation in which the adopted rules of order do not cover the situation, the
proceedings shall be governed insofar as possible by Roberts Rules of Order,
Revised.

Article XIV - Amendments

Section 1. - Requirements
These By-Laws may be amended by a two-thirds vote of the voting Members.

Section 2. - Procedure
Proposed amendments to these By-Laws shall be presented to the Board of
Directors who will then be obligated to present same at the next schedule
meeting of the Association.
Section 3. - Effective Date
Proposed amendments should include a commencement date.

Section 4. - Changes
Proposed amendments presented at a meeting may not be modified in any manner at
that time.